Terms of Service

1. Acceptance of Terms

By accessing or using Simply Family Budget (the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree, do not use the Service.

You represent that you are legally able to enter into these Terms for yourself or for the organization, family, or household you represent.

2. Accounts and Shared Family Workspaces

You are responsible for the account credentials, devices, browser profiles, and linked email accounts used to access the Service.

• You must provide accurate registration information and keep it reasonably current.
• You are responsible for activity that occurs under your account.
• You must invite only people you authorize to view or edit your shared family data.
• Household members in the same family workspace may be able to view, edit, export, or delete shared data according to their role and the current product behavior.
• If you are the family owner, you are responsible for managing membership and ownership changes carefully.
• You must protect public API tokens, secure connected systems and shared displays, and promptly rotate or revoke any token that may have been exposed.

3. Service Scope and Product Changes

You understand and agree that:

• The Service is provided on an "AS IS" and "AS AVAILABLE" basis.
• The Service may contain bugs, errors, outages, or inaccurate calculations or displays.
• Features, limits, designs, data formats, and workflows may be added, modified, or removed at any time.
• Scheduled or unscheduled downtime may occur, including for maintenance, abuse prevention, upgrades, migrations, or security response.
• Data export, restoration, recovery, and backward compatibility may be limited.
• We may introduce paid plans, new limits, or additional commercial terms in the future.

The Service may also be accessed through integrations such as ChatGPT or other AI-based interfaces, and functionality or outputs may vary depending on the integration you use.

The documented read-only public API is a supported access method for personal integrations and dashboards. Its formats, limits, versions, routes, and availability may change as described in the API documentation. You must respect published rate limits and may not attempt to bypass them.

4. Your Data and License to Operate the Service

You retain whatever rights you have in the information and content you submit to the Service. You grant us a non-exclusive, worldwide, royalty-free license to host, copy, process, transmit, display, back up, and otherwise use that information only as reasonably necessary to operate, secure, support, and improve the Service and to comply with law.

If you use the Service through ChatGPT or another integration, we process data transmitted through that integration only as reasonably necessary to fulfill your request and operate the Service.

You represent that you have the necessary rights and authority to submit the information you put into the Service, including invitation email addresses and shared household data.

5. Acceptable Use

You may not use the Service to:

• Break the law or infringe another person's rights
• Attempt unauthorized access to accounts, data, devices, or infrastructure
• Probe, scan, reverse engineer, or interfere with the Service except as permitted by mandatory law
• Upload malware, harmful code, or misleading content
• Use the Service in a way that could disable, overload, degrade, or circumvent rate limits or security protections
• Place API credentials in URLs, public repositories, screenshots, or dashboards accessible to unauthorized people
• Use another person's data without authorization
• Misrepresent your identity, authority, or relationship to a family workspace

Do not submit highly sensitive information such as full payment card numbers, passwords, or one-time passwords through the Service or through integrations.

6. Privacy and Security

Your use of the Service is also subject to our Privacy Policy and Security Notice.

You acknowledge that no software or storage environment is perfectly secure. The Service uses reasonable safeguards, but we do not guarantee absolute security, uninterrupted availability, or prevention of every incident.

7. Third-Party Platforms and Providers

The Service may rely on third-party infrastructure and services such as hosting, email delivery, supported identity providers like Apple or Google, and AI platforms such as ChatGPT. Those services are outside our direct control and may affect availability, sign-in, message delivery, or how integrations function.

Third-party platforms and providers may also have their own terms and privacy policies, which can apply when you use their services to access or interact with Simply Family Budget.

User-configured integrations such as Home Assistant are third-party systems under your control. You are responsible for their configuration, security, retention, availability, and who can see any connected or shared display.

If you download or access the app through Apple App Store, Google Play, or another distribution channel, that platform is not responsible for the Service itself, its content, support, maintenance, or claims relating to it, except where law does not allow that statement to apply.

8. No Professional Advice

Simply Family Budget is a budgeting and record-keeping tool only. It does not provide financial, investment, accounting, tax, legal, compliance, or other professional advice.

Outputs delivered through AI or conversational interfaces may be incomplete, delayed, or inaccurate and should not be relied on without independent verification.

Data, balances, budget results, and forecasts returned through the public API are subject to the same accuracy, delay, availability, and no-professional-advice limitations.

You are solely responsible for reviewing your records, confirming important calculations, and deciding how to act on the information shown in the Service.

9. Disclaimers

To the maximum extent permitted by applicable law, the Service is provided without warranties of any kind, whether express, implied, or statutory, including warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, availability, compatibility, or data recoverability.

Without limiting the above, we do not warrant that:

• The Service will be uninterrupted, timely, secure, or error-free
• Defects will be corrected on any specific schedule
• Any forecast, projected balance, report, or other output will be complete, current, or suitable for your situation
• All data will always be available, recoverable, or preserved

10. Limitation of Liability

To the maximum extent permitted by applicable law, Simply Family Budget and its operators, developers, licensors, contractors, and service providers will not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages, or for any loss of profits, revenue, goodwill, business opportunity, data, or financial information, arising out of or related to the Service.

To the maximum extent permitted by law, the total aggregate liability of Simply Family Budget for all claims arising out of or relating to the Service will not exceed the greater of: (a) the amount you paid us for the Service in the 12 months before the event giving rise to the claim; or (b) CAD $100.

Nothing in these Terms excludes liability that cannot legally be excluded or limited.

11. Indemnity

To the maximum extent permitted by law, you agree to indemnify and hold harmless Simply Family Budget and its operators, developers, licensors, contractors, and service providers from claims, liabilities, damages, judgments, losses, and expenses (including reasonable legal fees) arising out of or related to:

• Your use or misuse of the Service
• Your breach of these Terms
• Your violation of law or another person's rights
• Information or content you submit to the Service

12. Suspension, Termination, and Deletion

We may suspend, restrict, or terminate access to the Service at any time, with or without notice, where reasonably necessary for operational, legal, abuse-prevention, payment, or security reasons.

We may delete accounts without notice when they are at least 365 days old, have had no login or other account activity for at least 180 days, and have zero stored budget data, meaning no wallets, budgets, transactions, or custom categories.

You may stop using the Service at any time and may request account deletion through the in-app workflow or by contacting [email protected]. Deletion and ownership-transfer limits are described on our Delete Account page.

13. Intellectual Property

The Service, including its software, functionality, content structure, and branding, is owned by or licensed to Simply Family Budget and is protected by applicable intellectual property laws.

Except for the limited right to use the Service for its intended purpose, these Terms do not grant you any ownership rights in the Service or our branding.

14. Governing Law

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable there, without regard to conflict-of-law rules, except to the extent mandatory consumer-protection law in your jurisdiction requires otherwise.

Unless applicable law requires otherwise, you and Simply Family Budget agree that courts located in Ontario, Canada will have exclusive jurisdiction over disputes arising out of or relating to these Terms or the Service.

15. Changes to These Terms

We may update these Terms from time to time by posting the revised version and updating the "Last updated" date above. Your continued use of the Service after the revised Terms take effect constitutes acceptance of the revised Terms.

16. Severability

If any provision of these Terms is found invalid or unenforceable, the remaining provisions will continue in full force and effect.

17. Contact

If you have questions about these Terms, contact us at [email protected].